Despite my employment in the banking industry, any and all views contained in this post are purely my own, and do not represent any financial institution, nor constitute as financial or investment guidance or advise.

Re: Please Reply: How Many Credit Cards Do YOU Own?

First Premier MC - 500 CL, 600 CL (both of these need to GO this year!)

Orchard Bank MC - 300 CL

Kay's Store Card - 5100 CL

I PIF every month on all of these and am careful to report a $0 balance on each. Also, three old, closed out accounts with balances (although one is still reporting as open!) that will be paid off by the end of spring. Things are steadily progressing in the right direction, and I hope to move out of subprime land before too much longer.

If they are using age as a predictor for mortality and then factoring that into their credit approval process they will have extremely serious problems with the Equal Credit Opportunity Act.

Are you kidding?

Signature line begins:Credit is not a right, but a business transaction, one that takes into account risk, and charges accordingly based on that risk.Your credit score is an aspect of your credit profile. Important? yes but just an aspect. Contributing/supplemental information determines the finer point of the deal. Ask any question, respect me not to get mad if the answer is not the affirmation you are looking for,

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